KR100325683B1 - Method for paying a charge of goods using mobile phone - Google Patents

Abstract

The present invention relates to a payment method for goods using a mobile communication terminal, comprising: a first step of using a communication terminal of a seller to access a goods payment server which stores personal information for each subscriber; A second step of transmitting, to the payment server, the goods payment request data including the identification information of the goods buyer; A third step of determining whether or not to approve payment of goods based on the amount of money used from the payment request data and the stored personal information; A fourth step of requesting approval confirmation to the mobile communication terminal specified from the identification information of the article buyer according to the determination; A fifth step of transmitting approval confirmation data corresponding to the request through the mobile communication terminal; And a sixth step of notifying the seller terminal of the approval confirmation result, wherein the subscriber can simply pay for the goods using his mobile communication terminal, and the credit card number and the purchase price for the goods. In order to receive the goods through mail or courier service, there is no need to report personal information such as his / her address to the seller of the goods, and the seller does not have to pay additional fees such as the inquiry terminal during the credit card transaction. It is a very useful invention that can promote the spread of credit transactions can be sold using a mobile communication terminal.

Description

Payment method for goods using a mobile terminal {Method for paying a charge of goods using mobile phone}

The present invention relates to a payment method for goods using a mobile communication terminal, and more specifically, after confirming whether or not the purchaser agrees on the purchaser's mobile communication terminal regarding the approval of the payment requested by the seller of the goods, By notifying through the communication terminal of the goods seller, so that the purchase and sale of goods is made, the purchase price relates to a payment method for goods using a mobile communication terminal to be paid later when the payment of the mobile terminal of the buyer.

In the past, payment was made for purchase and sale of goods, and most of them used cash or a credit card possessed by the buyer. In the case of using a credit card, the buyer presents the credit card possessed after purchasing the product at the merchandise store. Then, the merchandise store makes a request to the credit card payment server for the possibility of payment through the credit card using a self-contained credit card inquiry terminal, and then determines whether to sell or not according to the inquiry result.

However, credit cards that must be carried in order to use these payment methods are frequently lost, and moreover, most credit cards are used mainly for high-value transactions of more than tens of thousands of dollars rather than small transactions, so their frequency of use is low. The fact was not easily understood, and thus, while the credit card holder does not recognize the loss, the credit card acquirer frequently uses it for malicious transactions such as fraudulent transactions.

In addition, since the credit card checks the authenticity of the buyer (user) by the magnetic strip method, it is vulnerable to forgery and thus frequently causes damages of more than tens of thousands of won by the forgery credit card.

In addition, since merchandise transactions using a credit card have to go through a cumbersome procedure at a store, credit cards are not used in small transactions, and credit card holders also need to carry some cash to purchase a small amount of goods. The retailer's point of view is the additional cost of securing a separate inquiry terminal for reading and verifying the credit card. Therefore, it is difficult for a small seller to accept transactions using a credit card. It was true that it was difficult.

On the other hand, as described above, the user does not purchase the goods directly at the merchandise store, but also purchases the goods through a telecommunications retailer or an online shopping mall. For example, first, a buyer calls a telecommunications vendor directly and tells the items they want to purchase, the address they want to receive the goods, and personal information such as a credit card number. By using the personal information of the credit card payment server to request the payment of goods sales price.

However, in the case of such a transaction method, there is a problem in that the user has to report his or her personal information to the merchandise seller through a communication medium such as a telephone every time the purchase of the merchandise.

Accordingly, the present invention has been made to solve the above problems, and provides a method for payment of goods using a mobile communication terminal that enables safe and convenient trading of small items without using cash. There is a purpose.

1 is a diagram showing the overall network configuration of a method for payment for goods using a mobile communication terminal according to the present invention,

FIG. 2 illustrates a detailed configuration of a goods payment server in the network configuration of FIG.

3 is a flowchart showing the flow of a preferred embodiment of the payment method for goods using the mobile communication terminal according to the present invention,

4A and 4B show an example of information content stored in the hard disk shown in FIG.

※ Explanation of code for main part of drawing

100: mobile communication terminal 200: CDMA mobile communication network

300: payment server for goods 310: network connection

320: DTMF conversion / detection unit 330: voice data processing unit

340: voice recording disk 350: voice restorer

360: hard disk 370: clock part

380: Romans 390: Central Processing Unit

400: store terminal 500: public telephone network (PSTN)

Item payment method using a mobile communication terminal according to the present invention for achieving the above object, in the payment method for goods, using the communication terminal of the seller, the item price for storing the personal information for each subscriber A first step of accessing a payment server; A second step of transmitting, to the payment server, the goods payment request data including the identification information of the goods buyer; A third step of determining whether or not to approve payment of goods based on the amount of money used from the payment request data and the stored personal information; A fourth step of requesting approval confirmation to the mobile communication terminal specified from the identification information of the article buyer according to the determination; A fifth step of transmitting approval confirmation data corresponding to the request through the mobile communication terminal; And a sixth step of notifying the seller terminal of the approval confirmation result.

In addition, a payment method for goods using a mobile communication terminal according to the present invention comprises: a first step of receiving, from a communication terminal of a seller connected goods payment request data comprising the identification information of the goods buyer; A second step of specifying a buyer from the identification information of the article buyer; Confirming the purchase amount of the purchaser from previously stored personal information of the specified purchaser, and determining whether to approve payment of the goods price based on the confirmed use amount and the received payment request data; Three steps; A fourth step of requesting approval confirmation by accessing a call to a mobile communication terminal specified from identification information of the goods purchaser when determining a payment approval; And a fifth step of transmitting, to the request, a communication confirmation result of the approval confirmation received from the mobile communication terminal to the communication terminal of the connected seller.

In the payment method for goods using a mobile communication terminal, the seller first calls a payment server using his or her own terminal such as a general phone, a mobile phone or a dedicated terminal, and purchases an item such as a buyer's mobile terminal number. After sending payment request data such as identification information and purchase price, and requesting the payment, the payment server once based on the payment request data and information on the amount of money used by the buyer of the goods, the amount for which the purchaseable balance is requested to be paid The decision to approve the payment of the goods depends on whether it is a larger amount.

When the self-approval is determined, the payment server then accesses the mobile communication terminal number, informs the buyer of the transaction details related to the requested amount, and then confirms whether or not to pay the amount.

Accordingly, when the goods buyer approves payment of the corresponding amount by transmitting a preset password and / or his / her voice between the payment server and the payment server, the payment server confirms whether the payment is approved based on the correct input of the password. The seller terminal is notified of the result.

In addition, after receiving the approval notification, the seller confirms that the notification is made by the payment server according to the preset counterfeit determination data, and sells the goods to the buyer after all such verification procedures are performed. The transaction will be made.

In such a transaction, the seller receives the purchase price from the payment server, and the buyer pays the purchase price later when paying the fee of the mobile communication terminal, and the buyer's payment limit is set every time according to the contract with the payment server. It is updated by a certain amount.

Hereinafter, an embodiment of a payment method for goods using a mobile communication terminal according to the present invention will be described in detail with reference to the accompanying drawings.

Figure 1a is a diagram showing the overall network configuration for implementing the payment method for goods using the mobile communication terminal according to the present invention, a mobile communication terminal 100 possessed by the goods buyer; An item payment server 300 interconnected via the mobile communication terminal 100 and the CDMA mobile communication network 200; The goods payment server 300 is configured to include a retail terminal 400 that is wirelessly connected through the CDMA mobile communication network 200, or wired connection through a general public telephone network (PSTN) (500).

FIG. 2 illustrates a detailed configuration of the goods payment server 300 among the entire network of FIG. 1, and is connected to the CDMA mobile communication network 200 to transmit and receive connection signaling and signals. Interface 310; A DTMF conversion / detection unit 320 for detecting a DTMF tone received through the network connection unit 310 and converting and transmitting a telephone number to be called into a DTMF tone; An audio data processor 330 for digitizing the voice received through the network connection unit 310 and extracting a feature such as a voice pattern; A voice message disc 340 in which voice guidance messages are stored in data form; A voice converter 350 for restoring the compressed voice data stored in the voice storage disk 340 and converting the compressed voice data into a voice message; A hard disk 360 that stores personal information such as an address, a phone number, an available balance, a password, and information (access number) of a registered product sales agent, each program, a subscriber (item purchaser); A clock unit 370 keeping track of the current date and time; And a central processing unit 390 that executes a program stored on the external ROM 380 and the hard disk 360 to perform an operation such as retrieval of the hard disk 360 and data update storage.

Figure 3a is a diagram illustrating a payment flow between each component constituting the entire network of Figure 1, that is, the buyer, the seller and the payment server, Figure 3b is a payment method of goods using the mobile communication terminal according to the present invention As a flowchart illustrating a detailed flow of a preferred embodiment, the following describes in detail the payment method for goods according to the present invention with reference to the network configuration of Figure 1 and the detailed configuration of the payment server of FIG.

First, a person who intends to use the payment method according to the present invention may apply for a subscription to a mobile communication service provider, and may receive a certain amount of a purchase limit or recharge the amount at regular time intervals such as once a month or once every quarter. You can choose from all possible forms of payment, including prepay, debit and postpay.

As such, the purchase limit set for each subscriber (buyer) is stored in association with the subscriber's personal information in the item payment server 300 as shown in FIG. 4A, after which the subscriber can freely purchase the desired item within the limit. Will be.

When the subscriber wants to use the payment method according to the present invention after purchasing the desired item, the seller once connected to the payment server 300 using the retail terminal 400 is provided with the self-payment of the price Request for payment (S10), when the call is connected, the terminal number of the retailer terminal 400, that is, the caller ID is automatically transmitted to the payment server 300.

In this case, the retailer terminal 400 may be arbitrarily selected from among a voice mobile communication terminal, an SMS mobile communication terminal, an internet terminal, or a payment terminal. In each case, a wireless connection or a wired connection is made to the payment server 300. One of the connections may be made selectively.

If the store terminal 400 is not a mobile communication terminal, that is, when a call is received through the PSTN, a unique number (or store code) of the store terminal is transmitted to the DTMF.

Once the call connection is made with the payment server 300, the central processing unit 390 in the payment server 300 recognizes the connection fact through the network connection part 310, and the network connection part 310. Confirm and store the phone number of the retailer terminal 400 from the call reception signal of the digital form received from). At this time, if the input telephone number is a DTMF signal, the DTMF converter / detector 320 interprets the specific number and stores the telephone number.

Subsequently, the central processing unit 390 reads voice data corresponding to a transaction history input request message among voice guide messages previously stored in the voice storage disk 340 and restores the voice data in the voice restorer 350. After outputting the restored actual voice message to the call-store terminal 400 through the network connection unit 310 (S20), the service waits for a response from the seller.

The seller listens to the voice message provided from the payment server 300, and then sequentially inputs the purchaser's mobile phone terminal number and the transaction amount provided from the buyer through the dial button according to the input request order of the message (S30). .

The DTMF converter / detector 320 detects DTMF signals sequentially input through the network connection unit 310, and the CPU 390 checks data input by a user from the detected DTMF signals. .

The CPU 390 searches the hard disk 360 in which the subscriber and seller personal information databases as shown in FIGS. 4A and 4B are stored, based on the confirmed data, and inputs the mobile phone terminal. It is checked whether the person corresponding to the number is a registered subscriber and whether the buyer can afford the current payment (S40).

The CPU 390 transmits this fact to the retailer terminal 400 when there is no payment space remaining as a result of the confirmation, and based on the terminal number input only when the payment space remains. To connect to the buyer's mobile communication terminal (100) (S50).

At this time, the central processing unit 390 directs the subscriber to the transaction details requested from the seller through a direct call or two-way SMS, and for payment to confirm whether to approve payment for the transaction details. Require a password (S60).

When the transaction details, the voice storage disk 340 and the voice restorer 350 using the voice guidance, for example, 'store number 011-234-5678, payment amount twenty-five thousand, if the correct password, enter the wrong * It is desirable to have a voice guidance such as ',' and to add a procedure to confirm whether or not to deliver personally identifiable information such as address or contact information to the retailer in case of purchasing the goods through mail order. It is also possible.

The subscriber who has received the above guide message directly inputs a preset password by dial tone or voice when he / she agrees to pay the guided transaction details.

In this case, when inputting a voice, the voice data processor 330 converts a user voice, which is input once, into digital compressed data to extract a feature of the voice pattern, and the central processing unit 390 of the extracted voice pattern By comparing the feature with the pre-stored feature of the word, the input password is recognized.

Preferably, after recognizing the password, the stored voice data corresponding to the recognized data is retransmitted to the purchaser so that the buyer can check the data input by the buyer with a voice message, in which case the purchaser If there is an error in the input data, a proper operation such as returning to the corresponding procedure and re-entering the data can be performed.

In the above process, the payment password may use a password consisting of general numbers or letters, as well as setting the voice of other subscribers as a password. In this case, the inputted subscriber voice is a speaker verification technology. It is used to confirm whether or not by yourself, and also stored separately in the payment server 300 with the current date and time read out from the watch unit 370, and to prove the fact of the transaction in the event of a dispute, such as a later merchant It can be used as evidence.

The CPU 390 determines whether the payment is approved by checking whether the input password is the same as the payment password previously assigned to the corresponding mobile communication terminal subscriber (S70). Update to reduce by the amount paid.

Subsequently, the central processing unit 390 checks the telephone number of the store terminal 400 stored at the time of the first access, increases the number of transactions of the store stored in association with the stored phone number once, and adds the sales amount. After that, the fact that the payment has been approved is transmitted to the retailer terminal 400 (S80).

The approval notification message must include the transaction amount. In addition, the buyer's address, the buyer's name, the buyer's phone number, the transaction serial number based on the store, the total transaction amount, etc., in case the goods need to be delivered, such as online shopping. It is also possible to include notification with additional information.

On the other hand, the above process is not performed when the retailer terminal 400 is connected to the payment server 300 for the first time and is not short-circuited continuously, but this is not the case. In the case of notifying the retailer terminal 400 of the approval by a new call connection, there is a possibility of forgery due to the malice of the buyer of the goods, and there is a possibility that the corresponding seller may be damaged later. You can then take a separate security measure like the one below.

First of all, it determines whether a forgery is made by notifying the number of transactions based on the corresponding store, or identifying a 'payment server' in a field such as a caller ID which is not accessible to a general wireless telephone user. It is possible to determine whether the forgery by sending a code, and also send an encrypted message from the payment server and the retailer terminal 400-in this case, preferably a dedicated terminal-it is also possible to decrypt it.

In addition, after registering the training of the person representing the store in advance in the hard disk 360 of the payment server, the procedure for transmitting the registered voice to the retailer terminal 400 when the notification of approval or not first heard By going through, it is also possible to determine whether or not a forgery using a method for confirming that the payment approval notification is made by the payment server 300 legitimately.

The payment approval notice may be transmitted to the retailer terminal 400, not only through a mobile communication terminal and a wired terminal separately provided at the merchandise distributor, but also through facsimile or e-mail. In addition, the purchaser can inform the purchaser of the payment of the goods and the remaining balance, as well as, when the seller requests the payment details, the search for the access number of the corresponding store from the hard disk 360 and then In addition, the payment history of the corresponding store stored in association with the transmission may be transmitted.

When each subscriber purchases goods without using cash through the mobile communication terminal according to the above-described process, the payment server 300 uses the total use of each subscriber at periodic intervals (for example, monthly). Settle the charges (item price and telephone charges) and provide them to the user in the form of a notice so that the user can pay the usage fee for purchasing the goods for a certain period to the mobile carrier together with the telephone charges. When the fee according to the purchase is paid, the goods payment server 300 initializes the limit amount of the purchase of the corresponding subscriber to the predetermined maximum amount.

An electronic payment service provider (such as a wireless communication service provider) provides a proxy storage service that delivers the amount of money received from a subscriber to a store, and may arbitrate banking services in association with a bank.

In the payment method for goods using the mobile communication terminal according to the present invention as described above, a user simply pays for the goods using a mobile communication terminal that is safer for forgery, without having to carry cash or a credit card with a high risk of loss. In order to receive the credit card number for the payment of the goods and the purchased goods through a mail or a courier service, etc., the trouble of having to report personal information such as his / her address to the merchandise distributor one by one, The merchandise sales body can be notified of approval of payment of the goods through the existing communication terminal, and can use the mobile communication terminal without paying an additional cost, thereby spreading credit transactions.

In addition, the payment method for goods using the mobile communication terminal according to the present invention, unlike the credit card consisting of only a procedure between the credit inquiry terminal and the authorization server, payment is possible through the three components including the buyer's own terminal, The risk of being exposed to malicious transactions is less likely to ensure the safety of transactions. In addition, if a user requires a voice in addition to a terminal and a password to verify his / her identity, the transaction can be secured even more.

In addition, the payment method for goods using the mobile communication terminal according to the present invention can use the existing voicemail infrastructure as it is, and can be used as it is with only a slight software change.

Claims (10)

In the payment method of goods, Using a seller's communication terminal, a first step of accessing a goods payment server which stores personal information for each subscriber; A second step of transmitting, to the payment server, the goods payment request data including the identification information of the goods buyer; A third step of determining whether or not to approve payment of goods based on the amount of money used from the payment request data and the stored personal information; A fourth step of requesting approval confirmation from the mobile communication terminal specified from the identification information of the article buyer according to the determination; A fifth step of transmitting, through the mobile communication terminal, acknowledgment data corresponding to the request; And And a sixth step of notifying the seller terminal of the approval confirmation result. In the payment method of goods, A first step of receiving, from the communication terminal of the seller, the goods payment request data including the goods buyer's identification information; A second step of specifying a buyer from the identification information of the article buyer; Confirming the purchase amount of the purchaser from previously stored personal information of the specified purchaser, and determining whether to approve payment of the goods price based on the confirmed use amount and the received payment request data; Three steps; A fourth step of requesting approval confirmation by making a call to a mobile communication terminal specified from identification information of the purchaser of goods when determining payment approval; And And a fifth step of transmitting, upon request, an acknowledgment result received from the mobile communication terminal to a communication terminal of the call-connected seller. The method of claim 2, The approval confirmation is a payment method for goods using a mobile communication terminal, characterized in that made on the basis of whether or not the input of a specific secret password given to the mobile communication terminal. The method of claim 3, wherein The secret password is a product payment method using a mobile communication terminal, characterized in that the voice of the mobile terminal owner. The method of claim 4, wherein The input secret password is stored separately in connection with the transaction details in case of disputes in the future payment method for goods using a mobile communication terminal. The method of claim 2, The method of claim 5, further comprising updating the available balance of the purchaser on the basis of the price of the item requested payment, when transmitting the confirmation result of the fifth step. The method of claim 2, When the confirmation result of the fifth step, personal information such as the name and address of the buyer of the goods is selectively transmitted further characterized in that the payment for goods using a mobile communication terminal. The method of claim 2, When the confirmation result of the fifth step, the cumulative transaction number of the seller is further characterized in that the payment for goods using a mobile communication terminal. The method of claim 2, When the verification result of the fifth step is transmitted, identification information specifying that the source is the payment server is further characterized in that the payment for the mobile communication terminal. The method of claim 9, The identification information is a payment method for goods using a mobile communication terminal, characterized in that the fostering recorded by the seller.